Commerce Miles® Visa Signature
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Commerce Miles® Visa is a no annual fee travel rewards credit card from Commerce Bank. The card earns unlimited 2.5X miles on all travel purchases, including airfare, hotels, rideshares, and more.
Our review of the Commerce Miles® Visa Signature
Are you looking for a travel rewards credit card that offers exceptional benefits without an annual fee? Look no further than the Commerce Miles® Visa from Commerce Bank. With a competitive earning rate that rivals top-tier cards like the Wells Fargo Propel American Express, this card is a standout option for frequent travelers.
0% Intro APR
One of the key features of the Commerce Miles® Visa is its generous introductory APR offer. New cardholders can enjoy a 0% intro APR for 12 months on purchases, followed by a highly competitive rate after that. Plus, applicants with excellent credit may qualify for an interest rate that is significantly lower than the national average for travel rewards credit cards.
How to Earn Rewards
The Commerce Miles® Visa excels in earning rewards on travel expenses. Cardholders earn an impressive 2.5X points on all eligible travel purchases, including airfare, car rentals, hotels, rideshares, taxis, and more. Additionally, the card also earns 2.5X points on UberEATS purchases made through the Uber app, making it a versatile option for both travel and dining rewards. All other purchases earn 1X point per dollar spent. Keep in mind that Commerce Bank rewards expire after four years.
How to Redeem Rewards
Redeeming rewards with the Commerce Miles® Visa is simple and straightforward. Cardholders can redeem their miles for a variety of options, including airfare, hotel vouchers, car rentals, gift cards, statement credits, fuel discounts, and even charitable donations. Plus, there are no blackout dates or restrictions when redeeming miles, giving you the flexibility to use your rewards when and how you want.
Travel Card Comparison
Curious how the Commerce Miles® Visa stacks up against other travel credit cards? Take a look at this comparison table:
| Credit Card | Annual Fee | Rewards | FTX Fee | Issuer |
|---|---|---|---|---|
| Commerce Miles® Visa | $0 | 2.5X miles on travel purchases, 1X on all else | None | Commerce Bank |
| Upgrade Cash Rewards Visa | $0 | 1.5% unlimited cash back on all purchases | None | Upgrade Cardless |
| LATAM Airlines Mastercard | $0 | 3X miles on LATAM purchases, 2X on dining and transportation, 1X on all else | None | Mastercard |
In conclusion, the Commerce Miles® Visa is a top contender in the travel rewards credit card market, offering competitive rewards, a generous introductory APR, and a variety of redemption options. If you’re a frequent traveler looking to maximize your rewards without paying an annual fee, this card is worth considering. Apply today and start earning miles on your next adventure!
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee No foreign transaction fees
- Earn 2.5X miles on travel purchases, including airfare, hotels, and rideshares
- Earn 1 miles per dollar spent on all other purchases
- Miles expire after four years
Who this card may suit
- You want a no-hassle rewards card for future vacations
- You plan to use your card to make purchases abroad
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 19.49% to 30.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 19.49% to 30.49% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 30.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | 33% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Commerce Miles® Visa Signature
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